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  <!-- ==================== HOMEPAGE ==================== -->
  <url>
    <loc>https://jfi.bc.ca/</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ==================== MAIN / SUPPORT PAGES (0.6) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/services</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/about-us</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/meet-the-team</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/blog</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/contact-us</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/claims-support</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/locations</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/careers</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/make-a-payment</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ==================== INSURANCE HUB PAGES (0.9) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/auto-insurance</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/travel-insurance</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/life-insurance</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/group-benefits</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/marine-insurance</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ==================== AUTO INSURANCE SPOKE PAGES (0.8) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/auto-insurance/icbc-renewal</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/auto-insurance/replacement-cost</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/auto-insurance/fleet</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/auto-insurance/motorcycle</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/auto-insurance/new-to-bc</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ==================== HOME INSURANCE SPOKE PAGES (0.8) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/home-insurance/homeowners</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/condo</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/tenants</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/landlord-house</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/landlord-condo</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/strata</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/new-construction</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/seasonal-dwelling</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/vacant-dwelling</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/home-insurance/vacant-land</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ==================== BUSINESS INSURANCE SPOKE PAGES (0.8) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/business-insurance/business-property</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/commercial-general-liability</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/general-contractors</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/commercial-strata</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/electrical-contractors</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/plumbing-heating</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/roofing-contractors</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/janitorial-cleaning</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/farm</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/cyber</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/errors-omissions</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/business-insurance/directors-officers</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ==================== TRAVEL INSURANCE SPOKE PAGES (0.8) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/travel-insurance/emergency-medical</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/travel-insurance/visitors-to-canada</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/travel-insurance/super-visa</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/travel-insurance/student</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/travel-insurance/trip-cancellation</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/travel-insurance/multi-trip</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ==================== LIFE INSURANCE SPOKE PAGES (0.8) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/life-insurance/life</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/life-insurance/term</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/life-insurance/whole-life</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/life-insurance/critical-illness</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/life-insurance/disability</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ==================== GROUP BENEFITS SPOKE PAGES (0.8) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/group-benefits/group-plans</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/group-benefits/small-business</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ==================== MARINE INSURANCE SPOKE PAGES (0.8) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/marine-insurance/boat-insurance</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/marine-insurance/sailboat</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/marine-insurance/jet-ski</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/marine-insurance/liability</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/marine-insurance/seasonal</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ==================== INSURANCE PARTNER PAGES (0.4 — noindex, crawl budget only) ==================== -->
  <url>
    <loc>https://jfi.bc.ca/partners/aviva</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/chubb</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/gore-mutual</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/icbc-autoplan</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/intact</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/max-insurance</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/optimum</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/peace-hills</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/wawanesa</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/beacon</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/burns-wilcox</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/cansure</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/chutter</loc>
    <lastmod>2026-03-18</lastmod>
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    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/forward</loc>
    <lastmod>2026-03-18</lastmod>
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  <url>
    <loc>https://jfi.bc.ca/partners/markel</loc>
    <lastmod>2026-03-18</lastmod>
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  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/northbridge</loc>
    <lastmod>2026-03-18</lastmod>
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    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/spg-canada</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/srim</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/allianz</loc>
    <lastmod>2026-03-18</lastmod>
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  <url>
    <loc>https://jfi.bc.ca/partners/beck-glass-shield</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/coalition</loc>
    <lastmod>2026-03-18</lastmod>
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    <priority>0.4</priority>
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  <url>
    <loc>https://jfi.bc.ca/partners/drivesure</loc>
    <lastmod>2026-03-18</lastmod>
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    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/hagerty</loc>
    <lastmod>2026-03-18</lastmod>
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    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/mode</loc>
    <lastmod>2026-03-18</lastmod>
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  <url>
    <loc>https://jfi.bc.ca/partners/msh</loc>
    <lastmod>2026-03-18</lastmod>
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    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://jfi.bc.ca/partners/optiom</loc>
    <lastmod>2026-03-18</lastmod>
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    <priority>0.4</priority>
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  <url>
    <loc>https://jfi.bc.ca/partners/premier-marine</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
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    <loc>https://jfi.bc.ca/partners/tugo</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>yearly</changefreq>
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</urlset>
